Commercial lines

Cover Options

Our goal is to ensure that all of your insurance needs, are covered by us. Below you will find all the cover options that we have available for you. Get covered with Insure Safe Advisors.

How Would You Like To Be Covered?

Fire Cover

Covers you for loss or damage to your business caused by fire. Also covers power surges, includes an architects’ fees clause, a fi re extinguishing clause and more.

Office Contents Cover

Safeguards the everyday operational assets of your place of business, from stationery and furniture to your staff ’s personal effects and even the loss of rent.

Business Interruption Cover

Protect against the possible loss of income resulting from a loss under a material damage section that interrupts normal business operations.

Buildings Combined Cover

Comprehensive cover for damage caused by fire, explosions and other hazards that may impact your business building.

Accounts Receivable Cover

Loss or damage as a result of accident or misfortune to the insured’s books of accounts, where you are unable to trace the outstanding debit balances.

Theft Cover

Loss or damage to all contents, as a result of theft (visible violet entry or exit), including extensions such as damage to buildings, locks and keys etc.

Money Cover

Cover against the loss of money, both in transit and on the premises.

Glass Cover

Cover for the expense of glass, from windows to signage.

Fidelity Cover

Covers the loss of money and/or property due to theft or fraudulent behaviour on the part of an insured employee.

Goods-In-Transit Cover

Cover against damage to, or the loss of goods-in-transit, as a result of accidents or misfortune.

Business All Risk Cover

This section gives cover for items belonging to your business that you have specified. The items you specify will be insured against theft or damage, whether they are on your business premises or not.

Electronic Equipment Cover

Compensation for loss or damage of electronic equipment. Extended cover includes reinstatement of data and lost software.

Accidental Damage Cover

Cover against damage or loss incurred as a result of mishaps or acts of negligence engaged in by you, or your employees.

Public Liability Cover

Cover against liability in the event of third-party death, illness or damaged property for which your business is held responsible.

Product Liability Insurance

Covers a business financially from any possible claims a customer might make if injury, illness or death occurs from the use of one of their defective products. A product can be classified as software, equipment or food that the business has supplied.

Defective Workmanship insurance

This is a necessity if your business repairs, maintains or works on assets or property that does not belong to you. “Defective” or “faulty” workmanship is usually defined as a material or design defects, or poor workmanship that can render a structure unsafe or unsuitable for the purpose for which it was intended. These defects will eventually increase damage to a property, usually permanently. Additionally, these problems can also lead to unsafe conditions for the inhabitants, including the risk of illness and/or injury.

Employer's Liability Insurance

Employer’s liability covers you for damages that you or any member, partner, director, principal or employee of your business may be held legally liable to pay following an incident in the course of, or in connection with the persons employment with you. It safeguards businesses against legal and compensation expenses from employee claims.

Stated benefits Cover

Defined events.  Bodily injury caused by accidental, violent, external and visible means to any principal, partner, director or employee of the Insured (hereinafter in this section referred to as such person) specified in the schedule.

Personal accident Insurance

Personal accident insurance is designed to provide financial help if you have become disabled, hospitalised, injured or in the event of your death from an accident. The amount paid is set out in the policy document and depends on the length of hospitalisation, the severity of the disablement or your death.

Machinery Breakdown Insurance

This is designed to provide indemnity for sudden and unforeseen physical loss or damage to the Property Insured. … It is a prerequisite and warranty of the insurance policy that all insured machinery is properly maintained and is kept in sound working order.

Machinery Breakdown Business Interruption Insurance Cover

This is designed to provide indemnity for sudden and unforeseen physical loss or damage to insured machinery. Cover can be provided for the costs to repair sudden and unexpected failure of electrical and mechanical production machinery (using new parts) and can be extended to cater for loss of profit while the machinery is being repaired following an event insured in terms of the machinery breakdown policy. In addition to the policy cover extends to include provision for breakdowns caused by operator error and ingress of foreign objects.

Motor Vehicle Insurance

You have to have motor insurance before you can drive your vehicle in a public place. It protects you, your vehicle and other motorists against liability in case there is an accident. It provides financial compensation to cover any injuries caused to people or their property.

Cyber Insurance

Cyber insurance provides cover against loss due to cyber frauds. With Cyber Insurance, one can protect self and family members against financial risks due to Unauthorised Online Transactions, Phishing & email spoofing, Damage to e-reputation, Identity theft, Cyber bullying and E-extortion.

Directors and Officers (D&O) Liability Insurance

Provides your executives personal liability and financial loss protection from wrongful acts committed – or allegedly committed – in their capacity as corporate officers. … Directors and Officers Liability Insurance fills these gaps, protecting personal assets.

Professional Indemnity

It is expected that professionals or those giving specialist advice will act with skill and care when providing services to clients. Should there be negligence in carrying out these services, they could be held legally liable for the consequences. Liability arises when there is a breach in contract and financial losses are incurred.

Professional Indemnity is aimed at providing protection against financial loss resulting from a legal liability to a third party. Anyone who offers services or advice in a specialised field could be held accountable at law for the advice or service to the general standards of their profession or industry.

A professional indemnity policy provides cover for defence costs as well as for any damages payable as a result of a court award. It can also cover the reimbursement of the litigant’s expenses, if applicable.

Internal Motor Traders Insurance

Provides cover for loss or damage to vehicles whilst on the premises of the insured business. You may, for example, run a dealership, and regularly need to move vehicles between display bays on your property.

External Motor Traders Insurance

The motor traders external section provides cover for loss or damage to vehicles whilst they are used outside of the insured’s premises and on the road. Vehicles may be insured for comprehensive cover, third party, fire and theft cover or third party only cover.

Sasria Insurance

Provides special risk cover to all individuals and businesses that own assets in South Africa. It covers civil commotion, riot, strike, lockout, public disorder, rebellion and revolution and terrorism.

The brokers who care about you.

We want all of our clients well taken care of. If you have any queries, don’t hesitate to talk to us.